Community Spirit Bank
Red Bay, AL·RSSD 470032·FDIC 50·bank:470032·CBLR opted in
- #58 of 93Total assets in Alabama
- 6offices
- 43employees
- Top 8%Loan quality vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Where Community Spirit Bank differs most from peers
Problem loans among the lowest of similar banksContext: Asset quality0.00%peers 0.38%-38 bps
Community Spirit Bank's noncurrent loans as a share of loans was 0.00%, compared with a median of 0.38% among 1207 similar banks: lower than 92% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans as a share of loans | ||
| 0.00% | 0.38% | -38 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Spirit Bank itself is left out of every peer median and percentile. How signals work
Net interest margin among the highest of similar banksContext: Earnings4.79%peers 4.03%+76 bps
Community Spirit Bank's net interest margin was 4.79%, compared with a median of 4.03% among 1222 similar banks: higher than 84% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.79% | 4.03% | +76 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Spirit Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Community Spirit Bank is a bank headquartered in Red Bay, Alabama. It reported $229 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $206 million, up 6.3% from a year earlier, and loans totaled $151 million, up 7.2%.
- Its net interest margin was 4.79% and its annualized return on assets was 1.50% for the quarter.
- Its cost of all deposits was 1.68%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Community Spirit Bank's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Community Spirit Bank · Bank
- Federal Reserve RSSD
- 470032
- FDIC certificate
- 50
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Community Spirit Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $846K | — | |
| $3.4M | — | |
| $876K | — | |
| $2.52M | — | |
| $420K | — | |
| $1.95M | — | |
| $100K | — | |
| $100K | — | |
| 1.50% | 1.49%ROAQ · Quarter | |
| 4.79% | 4.77%NIMYQ · Quarter | |
| 66.19% | 66.19%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.